We all know we have to work to make a living unless we were born with a silver spoon in our mouth. Having a nice income to survive on as well as save money for a rainy day and for retirement is important. However, if you think that just bringing in a big paycheck and just living for the moment is the right thing to do? Think again. You can make all the money in the world, but if you don’t have anything saved or any retirement to fall back on when your time has come to retire or are in need of medical care, you are setting yourself up to fail. Save now and save often. Doesn’t matter if you only have $5.00 to put aside. Something is better then nothing. After a while, that $5.00 adds up.